on the mileage stickers on cars. it improvesourenergyefficiency.that's a good thing. that is spurring growth. but the kind of reforms we have on wall street have not solved the problem. look at what happened last week's at usb, not only wild and irresponsible behavior, but then we have attorney general holder determining that he general holderubs the fullest -- attorney general holders a betty cannot prosecute ubs because he is afraid ubs is too big to shut down and would destroy financial markets. i thought dodd-frank was supposed to fix that. what was so disconcerting was the democrats did not join senator grassley in their u.n outcry about that protect the integrity of financial markets. it is something that should be bipartisan. but it is not, apparently. that is an example of regulation cannot afford. not all it is it is expensive, it's keeping people from getting loans, and it is impeding economic growth, which we need to pay for that column i talked about. host: on twitter -- guest: it is not. it is something people gravitate to because they use a rhetorical device to say there's a wa